What Makes Someone a High Risk Driver?

"High risk driver" is a label that nobody wants to be associated with. Not only does it look bad on your driving record: It also makes it more difficult than ever to receive insurance coverage. If you have been following us for a while, you probablty already know that SHARP INSURANCE covered a few tips on how high risk drivers could save money on car insurance coverage. (You can find the article here.) Today, we would like to discuss in more details what exactly constitutes a high risk driver, and how you can go about becoming one (not that any of us want that, of course).

As we already stated in an earlier article, a high risk driver is a person that insurance companies believe to be more prone to accidents. Traffic violations such as driving while impaired generally do the tricks, along with getting into multiple accidents. It does not matter whether a person suffered from misfortune or whether those accidents were due to negligence on their part either.

However, it is good to remember that being labelled as a high risk driver usually results from a combination of several factors. That's right: Getting into one accident won't automatically make you a high risk driver. Insurance companies are understanding, too. They know that accidents happen. It is when accidents begin to happen on a regular basis that they begin to investigate.

Sometimes, being labelled as a high risk driver can't be helped either. A new driver, for one, is generally seen as a high risk driver, regardless of whether or not they actually get into accidents.